Small Loans. Big Impact.

Loan House MC delivers quick, transparent microcredit to power household needs and growing businesses across Ghana.

Fuel Your Growth — Fast.

SME-friendly working capital and asset financing with digital approvals and flexible repayment plans.

Apply Online, Get Funded Sooner.

Use our instant loan portal for speedy approvals and quick disbursements — funds when you need them.

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Instant Approval Rate
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Active Borrowers
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GH₵ Capital Disbursed

Configure Your Credit Options

Select your loan parameters below. See your flexible repayments and competitive rates in real-time.

Tenure & Limit Setup

GH₵ 10,000
GH₵ 500 GH₵ 20,000
6 Months
1 Month 12 Months

Interest rates are calculated flat and vary from 2.0% to 3.0% based on your tenure. No hidden maintenance charges.

Repayment Summary

Selected Loan Amount
GH₵ 10,000
Repayment Period
6 Months
Flat Monthly Rate
2.2%

Tailored Financial Products

Explore our product suite below. Click "Read More" to view full details or use the Apply button to start your application.

Personal Loans

Personal Loans

Quick access to funds for emergencies, household expenses, and immediate needs with transparent terms.

Salary Loans

Salary Loans

Repayments structured through payroll for salaried employees — predictable, affordable, and fast to access.

SME Business Loans

SME Business Loans

Working capital and growth financing for small and medium enterprises with flexible repayment plans.

Micro Enterprise Loans

Micro Enterprise Loans

Small-ticket loans tailored for traders, artisans, and self-employed borrowers to maintain and grow income streams.

Asset Financing

Asset Financing

Acquire equipment, vehicles, or machinery with structured repayments that preserve your cashflow.

Group Loans

Group Loans

Loans for cooperatives, associations, and community groups with collective responsibility models.

School Fees Loans

School Fees Loans

Pay tuition and education-related expenses directly to institutions with student-friendly terms.

Emergency Loans

Emergency Loans

Fast short-term loans for unexpected emergencies and urgent family or medical needs.

Top-Up Loans

Top-Up Loans

Additional credit for existing customers who have demonstrated good repayment behaviour.

CUSTOMER CENTRICITY

Financial Products Built Around Your Journey

At Loan House Microcredit, we put our customers first. We believe that securing capital should raise your standard of living and expand your enterprise, not burden you with complicated debt traps.

Tier-2 Licensed by the Bank of Ghana
Advanced 256-bit encryption for absolute data security
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10-Minute Assessment

Our automated assessment engine evaluates credit requests instantly, sending money to mobile wallets in minutes.

Zero Hidden Charges

Transparent terms. What you compute in the calculator is exactly what you pay back. No ledger or administration fees.

Flexible Collaterals

We accept non-traditional collaterals (like business accounts and guarantor alignments) to keep credit highly accessible.

Financial Literacy Classes

We offer complimentary monthly business coaching seminars for our active SME borrowers, boosting success rates.

Instant Loan Portal

Submit your application securely in three easy steps.

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Configure Application

Amount must be between GH₵ 500 and GH₵ 20,000.
Please choose a valid tenure.
Please select your primary loan purpose.

Personal Details

Please enter your legal first and last name (at least 5 characters).
Please enter a valid email address.
Please enter a valid Ghanaian phone number (e.g. 0244123456).

Identification & Verification

Ghana Card must follow pattern: GHA-123456789-0
Please select your region.
You must authorize verification to proceed.

Meet the Team

Our experienced leaders and support staff bring local Ghanaian insight, financial expertise, and digital-first service to every client.

Adeola Mensah

Chief Executive Officer

12 years of fintech leadership focused on inclusive credit access for Ghanaian entrepreneurs.

Kwame Osei

Head of Credit Risk

Expert in responsible lending and automated risk models guiding our quick approval process.

Yaa Asantewaa

Customer Experience Lead

Designs our client journeys and ensures every borrower receives clarity and fast service.

Nana Owusu

Operations Director

Keeps our lending platform running smoothly with a focus on secure, compliant operational delivery.

Customer Success Stories

See how Loan House Microcredit is helping entrepreneurs and families scale operations across Ghana.

Akwasi Assistant

Fintech Advisor
Hello! Akwasi here from Loan House Microcredit. How can I assist you with your financial choices today? Select a common topic below or write a custom question!